SoFi (SOFI)
Financials
An all-in-one digital financial services platform that helps members borrow, save, spend, invest and protect their money through an integrated mobile app, while also offering fintech infrastructure to enterprise clients.
What SoFi does
SoFi Technologies is a digital-first financial services platform founded in 2011 that offers personal loans, student loans, home loans, checking and savings accounts, credit cards, crypto trading, and investment services through an integrated mobile application. The company operates three main segments: Lending (personal, student, and home loans), Financial Services (savings accounts, credit cards, crypto, investment platforms), and Technology Platform (enterprise fintech solutions). SoFi serves both individual members and enterprise partners through its vertically-integrated technology infrastructure designed to provide lending, savings, spending, investing, and wealth protection products.
Themes: ["Digital financial services platform","Personal lending","Student loan management","Cryptocurrency trading","Investment and wealth management","Mobile banking and savings","Enterprise fintech solutions"]
Fundamentals
- Price$18.62 as of 2026-07-09 close
- Market cap$23.9B as of 2026-07-10
- 1-year return-7.9% as of 2026-07-09 close
- P/E41.40 as of 2026-07-10
- Net margin-19.8% as of 2026-07-10
- ROE+6.3% as of 2026-07-10
- Debt / equity0.17 as of 2026-07-10
- Revenue growth (YoY)+205.5% as of 2026-07-10
- Revenue CAGR (3y)+18.0% SEC XBRL
- Beta2.22 as of 2026-07-10
Dividend: does not currently pay a dividend.
Key risks (from latest filing)
["Significant net losses and unprofitability as of Q1 2026, with -19.8% net margin despite 205% revenue growth","Regulatory risk as a bank holding company and nationally chartered bank subject to banking regulation and supervision","Competition from established financial institutions, fintech platforms, and loan marketplace competitors across lending, banking, and investment products"]
Competitors & peers
- LendingClub (LC)
- Upstart Holdings (UPST)
- SoFi Bank (direct digital banking competition)
- Marcus by Goldman Sachs
- PayPal / Venmo
- Robinhood Markets (HOOD)
- Charles Schwab (SCHW)
- Fidelity
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.